How does the returns differ for each type?
I assume overnight deposits is sweeping arrangement that zero effort is needed to decide how much cash flow I'd need and therefore how much I can place for how long. Would the return be much lower than say 7 days time deposit?
Btw, we r very out of topic 😜

I'm using FSM too and don't have a eUT account
Very simple, when I go to eUT website, it doesn't give me the confidence that this platform would exist in the next 5 years... it look amateur-ish and it seems the people running it is not serious to be in the e-commerce business

But the choice is personal, if your objective is lowest SC, then eUT promo is 0% whereas FSM has more user support which is what I wanted and for a low price too...
Anyway, so far my experience with FSM is good

The definition here is measured by networth and experience with financial products

So if abeng apek who is very loaded, sure can buy la. But if lose money don't go crying n complain to SC and BNM. Cos sophisticated investors can handle losses n risk on their own

Hop over to the fundsupermart thread to see all the actions on funds. There are quite a lot of folks here who DIY their mutual fund investment instead of getting from agents or banks
https://forum.lowyat.net/topic/3892713

Alternatively you can pay agent to buy, public mutual and CIMB Wealth advisor I would seriously advise against because their funds are not doing great in the past few years and the sales charge is steep

Okla, if there are agents who can distribute funds from various fund house and set up a proper portfolio maybe it's worthwhile paying sales charge for. Especially if you are not into doing much homework to understand how to DIY.

Imoney portal is powered by fundsupermart >> https://www.fundsupermart.com.my/main/home/index.svdo?
I have not gone through Imoney, but I would imagine it'll just take you to fundsupermart.

There's an active thread on fund investment, primarily through fundsupermart here >> https://forum.lowyat.net/topic/4047177 and all its previous versions

Hop over and read/ask questions there. This thread not so active and you may not get timely response

Oh, on eunittrust, some people use it too, mainly due to 0% sales charge promo, but I don't like the website and user interface. I find fundsupermart is a lot more informative

Well done boss... When I saw that photo I thought it doesn't make sense. Unless that fund made like 200% in Oct 2005-Oct2006; otherwise I cannot imagine how it can be so different

Again, well done!

Now we need to ask the poster what is the source and write to that newspaper to notify them of the mistake

What is your basis of selecting these funds?

What is your asset allocation strategy? How many % equity and fixed income? How many % in each geographical segment?

RHB Asian Income fund is very popular in the FSM thread; the other 2 I'm not so familiar. Affin has quite a number of select asia fund, quantum is the most popular one

But one should not buy into a fund due to its sheer popularity but what you need really

I may be wrong but I think they only open the Public Small Cap for subsription for a short period of time few months back. It's now closed again. That's one of the best performing fund available on Public Mutual.

No point for me to tell you which fund house is good. Try look at http://iportfolio.com.my/ or morningstar

Are you being sarcastic actually? I couldn't quite tell
It's true that fees become insignificant if you are in for the long term. so I still pay more attention to returns than fees

Tag me again?

Wow, this bank manager is unbelievable. Why don't you ask him, if he say it's safer to buy from the bank than the issuer, does that mean that the bank will pay him back east spring investment or the fund close shop?

Ultimately I think the crucial thing that he might not have covered or emphasized is, buying unit trust vs fixed deposit has a fundamental difference. Unit trust may show you indicative returns of 5% or more, but it's not capital guaranteed. You might end up earning 0% and even lose some of your capital. Yes, less likely for bond fund, but it can happen. Just in last November most of the local bond funds a few %. They r back in the black now, annualized return is lower compared to say a year ago. Whereas fixed deposit as everyone knows, is capital guaranteed and PIDM insured for certain amount.

That small risk there is the reason why the indicative return is higher. No one can help you decide if that's a risk worth taking. If you do decide that you can stomach that risk, there r lots of bond funds that has less sales charge and no early redemption penalty for you to choose from. Getting 5% is not difficult at all
You can start here actually
https://www.fundsupermart.com.my/main/resea...arch-2017--8077

The site from link I attach is where you can get everything done. You don't need agent or bank actually. The site doesn't charge sales charge and only charges 0.2% platform fees for using their platform. If you prefer to talk to someone they have client investment specialists who can explain to you investment strategy n all too

The truth is, you may have difficulty finding agent or banker who would sell you just bond funds since commission is lower for them. Most likely they would try to convince you to buy some equity fund so they make more

Glad to be of help. This thread is not so active as most of us hang out in https://forum.lowyat.net/topic/4193169 for DIY fund investment

Personally I prefer FSM, go to both sites and you tell me who you want to put your money with